电子货币对货币供求体系的影响.doc

电子货币对货币供求体系的影响

目 录

论文摘要（中文）………………………………………………………………………… Ⅰ
论文摘要（外文）………………………………………………………………………… Ⅱ
一、电子货币的概述……………………………………………………………………… 1
（一）电子货币的概念……………………………………………………………… 1
（二）电子货币的种类……………………………………………………………… 1
（三）电子货币的职能与特点……………………………………………………… 2
1．电子货币的职能…………………………………………………………  2
2．电子货币的特点…………………………………………………………  3
二、电子货币对货币供求体系的影响…………………………………………………… 4
    （一）电子货币对货币层次的影响………………………………………………… 4
（二）电子货币对货币需求的影响………………………………………………… 5
1．古典货币需求理论………………………………………………………  5
2．凯恩斯货币需求理论……………………………………………………  5
（三）电子货币对货币供给的影响………………………………………………… 6
1．电子货币对货币乘数的影响……………………………………………  6
2．电子货币对高能货币的影响……………………………………………  7
3．电子货币对货币供给量的影响…………………………………………  8
（四）电子货币对人民币供求影响的实证考察…………………………………… 8
1．对人民币供应量的影响分析及实证考察………………………………  8
2．对人民币流通速度的影响分析及实证考察…………………………… 12
三、结论 ………………………………………………………………………………… 13
注释……………………………………………………………………………………… 17
参考文献………………………………………………………………………………… 18
摘 要
二十世纪七十年代至今，计算机技术和网络通讯技术持续高速发展。金融机构最初引入计算机代替手工进行金融业务的操作，而到如今银行金融业务计算机联网处理、网上银行、网上支付等使得金融形态发生了巨大的变革。一个全新的金融时代——电子金融已经来临。电子金融代表着金融领域的高度电子化、信息化，它催生了属于它的通货——电子货币。电子货币是金融与计算机信息技术发展相结合的必然产物，是继纸币取代铸币后货币形态的第二次革命性的变革。电子货币的出现对金融体系产生的影响不言而喻。本文主要的研究对象是电子货币对货币供求体系的影响，从中阐述了笔者的观点：
●在收入和利率不变的情况下，电子货币将使流通中的货币需求量减少，淡化货币需求动机的界限，同时会加大货币的流通速度。
●电子货币的发行和流通，模糊了传统货币划分层次的界限，使得货币乘数的效应被放大，整个社会的货币供应量因此变得难以测定。
●电子货币现阶段对我国的金融体系的影响是有限的，但我们也不能忽视它的存在与发展，作为国家货币政策的“灵魂”——中央银行应该有所应对。

关键词：电子货币、货币供求

ABSTRACT

From the 70's up to now, the computer and network communication techniques keep on the high-speed development. Financing institution introduced computer into the operation by handicraft at first, but now network processing, on-line bank, Pay on net make a huge change to the financial form. A bran-new financial age - electronic finance has already in front of present. Electronic finance means electron, information, it cause it's own currency-electronic money.
The electronic money is the inevitable outcome that the finance and the computer informational technique combine together. it is the second-time revolution of the currency appearance by the banknotes replaces mint coins. The main research object of this text is the influence to the money supply and demand system under the electronic money, elaborating the standpoint of the writer from it:
● Under the condition of income and interest rates are constant, the electronic money will make the currency demand to reduce, downplaying the boundary of the currency need motive, enlarge the circulating speed at the same time.
● The issue and circulating of the electronic money make the currency layer faintness and the effect of the currency multiple being enlarged, and the quantity of the money supply becomes hard to be measured.
● Currently the influence of the electronic money is limited to the financial system of our country, but we can't neglect its existence and developments, the "soul" of national monetary policy - the National Central Bank should have to reply.

Keywords: electronic money, money supply and demand